103 Carnoustie Dr, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 103 Carnoustie Dr, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,470 sqft · built 2012
Lot Size	0.185 acres (8,076 sqft)
Owner	Individual Name on Record
Last Sale	$3,100,000 (Sep 2024)
Tax Bill	$37,752 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-600-200`

Property Details

APN / Parcel Number

Primary APN	`066-600-200`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,470 sqft Living Area
1st Floor Area	2,000 sqft
2nd Floor Area	1,470 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Lot Area	8,076 sqft (0.185 acres)
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	103 CARNOUSTIE DR
City	HALF MOON BAY
State	CA
Zip	94019-7900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 CARNOUSTIE SUB RSM 137/1-7
Legal Subdivision	CARNOUSTIE SUB
Legal Lot Number	20
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2000
Census Tract	613701

Owner

Source: San Mateo County records, as of July 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	103 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 19, 2018	Deed of Trust, Mortgage STERK INVESTMENTS INC
Jul 20, 2017	Trustee's Deed, Construction Loan · Construction Mortgage STERK INVESTMENTS INC STERK INVESTMENTS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2024 · Amount on Record
Deed Sale	Sep 26, 2024 · Amount on Record
Prior Sale	Sep 30, 2020 · Amount on Record
Deed Document Number	202450932
Record Updated	Sep 20, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Sep 30, 2020
Property Address	103 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Document Number	0000103663
Map Reference	MB 137 PG 1-7
Instrument Date	Sep 22, 2020
Instrument	2020-103663
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,722.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	103 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900

Mortgage

Document Number	0000103664
Date	Sep 30, 2020
Instrument	2020-103664

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	1.87%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	3.87%
Index	1-Year LIBOR
Max Rate	6.87%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	103 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Document Number	0000000133
Instrument Date	Dec 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 17, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2829 SOUTH CT PALO ALTO CA 943062455, PALO ALTO, CA 94306-2455

Mortgage

Document Number	0000000133
Date	Jan 2, 2019
Instrument	133

Lender

Name	STERK INVESTMENTS INC
Type	Bank
Address	8502 E CHAPMAN AVE # 410, ORANGE, CA 92869-2461

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Jan 1, 2021

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jul 20, 2017
Property Address	103 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Instrument Date	Jul 8, 2017
Instrument	61972
Transaction Type	Construction Loan
Record Updated	Aug 23, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2829 SOUTH CT PALO ALTO CA 943062455, PALO ALTO, CA 94306-2455

Mortgage

Document Number	0000061972
Date	Jul 20, 2017
Instrument	61972

Lender

Name	STERK INVESTMENTS INC STERK INVESTMENTS INC
Type	Mortgage Company
Address	ORANGE, CA 92869

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 19, 2018

Tax Assessment & Valuation

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Municipality	Half Moon Bay City
Unified School District	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,162,000 (+2%) Land $1,392,300 Building $1,769,700
2025	$37,752.00 (+27.29%)	$3,100,000 (+20.39%) Land $1,365,000 Building $1,735,000
2023	$29,658.00 (+1.81%) Homeowner's exemption	$2,574,989 Land $907,228 Building $1,667,761	$2,277,720
2022	$29,130.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COASTSIDE COUNTY WATER DISTRICT serves 19,033 people · EPA ID CA4110011
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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